What Do I Do When The At-Fault Insurance Company Won't Cover My Medical Expenses?

Insurance for Medical Bills

When an insurer of an at-fault driver refuses to cover your medical expenses, it can cause you tremendous stress and financial difficulty. This is particularly true if you do not have health insurance or if your health insurance company refuses to pay for certain procedures or treatments. In these cases, you may not be able to afford necessary medical treatment, and you may wish to hire a personal injury attorney to help you collect these payments.

Medical Costs Can Mount Up Quickly

According to recent statistics, the average cost per day at a California state or local government run hospital is $2,590; at a California non-profit hospital is $2,676; and at a California for-profit hospital is $1,975. This means that the hospital stay alone for a minor accident could easily top $10,000.

However, hospital stays are not your only concern if you are injured in an accident caused by someone else’s negligence. You may well need procedures that are not considered “emergency” medical care and, in some cases, may even be labeled “elective.” For example, few insurance companies willingly cover cosmetic surgery if someone is disfigured in a car accident.

Ultimately, even a relatively small accident could result in thousands of dollars in unpaid medical bills. In some cases, you may have to sue the insurance company to collect these sums while battling the hospitals and doctors who will be looking to you for payment.

How Can I Collect Payments for Medical Bills?

You may find that a personal injury attorney can help you collect payments for your medical bills much more quickly than you can do alone. This is because when you hire a personal injury attorney to handle your case insurance companies look at you differently than they do when you are representing yourself.

By hiring a personal injury attorney, you send a message to the insurance company that you are taking your claim seriously. Furthermore, the insurance company knows that a personal injury attorney will be informed about the tactics used by insurers to avoid paying claims, unlike many private citizens who do not have to deal with these companies on a regular basis.

If you are battling an insurance company for payment of medical bills, contact a personal injury attorney today to find out how to recover compensation for these expenses.